Home Insurance

Are termites covered within my homeowners policy?

If you found this article, then chances are you’re looking to know whether or not termite damage is covered by your homeowner’s policy.

Did you know that a silent destructive force might be slowly taking your home apart bit by bit? It sounds like the making of a bad science fiction movie, right? In reality, we're talking about termites.

Here’s a not-so-fun fact: Did you know that each year, termites are accountable for $1-2 billion in property damage in the usa?

That raises an important question: are termites covered by my homeowners policy?

You might be surprised to listen to that the reply is no. But why isn’t it covered?

Insurance companies believe that termites and pests are maintenance issues. In other words, it is up to the homeowner to avoid and treat their home from pests.

Pest control can become very expensive depending on in which you have been in the infestation process:

  • Pretreat before they show up
  • Notice signs of termites
  • Full blown infestation to the point of structural damage

Pretreat before they show up

The best way to protect your home is to pretreat it and have an annual inspection with a professional pest control company. In fact, to be able to sell your home one day, you'll need a termite bond in place already.

Notice signs of termites

What are some things to look for?

For starters, termites house their colonies within the wood on which they have eaten. Because they eat wood, they burrow mazes of tunnels within your walls and furniture.

PRO TIP: Look for small pellets where they have eaten or nested. They are termite droppings. You can also look for traces of dust and piles of wings that resemble scales.

Furthermore, keep your eyes open for little tunnels near the foundation of the home as they are a sure sign of subterranean termite infestation.

Full blown infestation to the purpose of structural damage

Look for common signs of termite infestation, including sagging or swollen floors and ceilings. You also might notice areas that seem to be slightly water damaged. Termite infestations also can exude a scent similar to mildew or mold.

What can you need to do now?

  • Remember that termites love damp and moist wood. So repair leaks and replace rotting wood trim immediately.
  • If you have a fireplace, keep wood piles at least 20 feet away out of your house.
  • Seal all cracks and crevices round the foundation from the home.
  • Keep your eyes open for just about any of the telltale signs we have discussed above.
  • Routinely inspect all of the wood trim in your home including window and door frames, trim, eaves, siding, and attics.
  • Contact a local professional pest control company. Check their references, as well his or her reviews online. Request an inspection and signup for treatments, as well as an annual inspection.

For those of you that continue to be trying to find a house to purchase, we suggest having a termite & pest inspection as part your due diligence. Remember that home maintenance is a part of your responsibility as a homeowner, which means that termite damage will not be covered by your home insurance policy.

In this case, we suggest purchasing a termite bond. What is more, there are two kinds of termite bonds. You will retreat free of charge and another will purchase damages. Discuss these together with your pest control company soon.

The tips here discussed will help you to protect your biggest investment from termites. Your friendly InsuranceHub agent is here to help you protect your home from everything else!

Moving? Relocating? Just looking to save money are get a better home insurance policy?

Get a home insurance quote today.

Sources: Pestworld | Orkin

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